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Established Contributor
Posts: 938
Registered: ‎08-13-2011
0

Capital one in giving mood!!!!

I decided to log into my capital one accounts and see if I could get credit line increases. Capital one has been good to me in the past, giving me credit when I couldn't get it elsewhere.  Here are my results

 

1.  1000  to 1500  quicksilver one

2.  1000 to 1500   quicksilver one

3.   500  to 2500   platinum   and did a product change to quicksilver one. This surprised me because I had always been rejected on CLI before

4.   600  to 3600   platinum and did a product change to quicksilver one.   This surprised me because I had always been rejected on CLI before

 

I still have one card at 500.00 limit that I cannot get an increase on, it was an old card that was transferred from another company to cap one. Does anyone know why they wont CLI this card?

 

I have built my credit up and don't really need these cards but they really help my utilization, having been increased by $6000.00 in less than 5 minutes.

It has taken a long time, almost 3 years of plugging along down the credit road, but now with increased limits, and having added AE and Chase to my wallet in the past 6 months. I feel like I am heading towards the right direction.

 

I owe it all to My fico! 





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 04/17/2015 TU 741 Equifax 682 Experian 678

Goal Score: 700 across the board


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Last HP 6/10/2015
Established Contributor
Posts: 600
Registered: ‎04-03-2013
0

Re: Capital one in giving mood!!!!

Very Nice Increases.. Congrats.. Very nice work getting them limits.

 

In regards to the other card have you tried the EO to get an increase on that one.




Valued Contributor
Posts: 12,963
Registered: ‎08-13-2013
0

Re: Capital one in giving mood!!!!


traveler2005 wrote:

I decided to log into my capital one accounts and see if I could get credit line increases. Capital one has been good to me in the past, giving me credit when I couldn't get it elsewhere.  Here are my results

 

1.  1000  to 1500  quicksilver one

2.  1000 to 1500   quicksilver one

3.   500  to 2500   platinum   and did a product change to quicksilver one. This surprised me because I had always been rejected on CLI before

4.   600  to 3600   platinum and did a product change to quicksilver one.   This surprised me because I had always been rejected on CLI before

 

I still have one card at 500.00 limit that I cannot get an increase on, it was an old card that was transferred from another company to cap one. Does anyone know why they wont CLI this card?

 

I have built my credit up and don't really need these cards but they really help my utilization, having been increased by $6000.00 in less than 5 minutes.

It has taken a long time, almost 3 years of plugging along down the credit road, but now with increased limits, and having added AE and Chase to my wallet in the past 6 months. I feel like I am heading towards the right direction.

 

I owe it all to My fico! 


Congrats on your CLI,s Smiley Happy

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****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Established Contributor
Posts: 938
Registered: ‎08-13-2011
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Re: Capital one in giving mood!!!!

The account that has a 500.00 balance was an old orchard bank visa, don't know if it is eligible for increase. Thought I read somewhere in forum that the old orchard cards were not able to receive increases. I will contact EO and see if they increase the limit. Thanks for the helpful tip.





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 04/17/2015 TU 741 Equifax 682 Experian 678

Goal Score: 700 across the board


Take the FICO Fitness Challenge

Last HP 6/10/2015
Established Contributor
Posts: 600
Registered: ‎04-03-2013
0

Re: Capital one in giving mood!!!!

Your most welcome. They might offer you a product change and increase, I know when i talked to them about the regular plat. card they first said i was eligible for a product change and asked if i was interested i said yes so they changed to the quick silver. then he put me in for an increase which i asked for twice as much as i wanted cause i knew they would counter offer me and they did . but increase took me from 500 to 3k.

Good luck i had nothing but good experience with the EO  




Established Member
Posts: 146
Registered: ‎02-20-2014
0

Re: Capital one in giving mood!!!!

Capital one has become much better within the last year! Prior to that the majority of people on here were enrolled in credit steps with no card growth opportunity at all! Glad to see you received some good CLI's! Good luck Smiley Happy

Whats In My Wallet? A Whole Lotta' Awesomeness!
Community Leader
Super Contributor
Posts: 31,000
Registered: ‎02-07-2013
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Re: Capital one in giving mood!!!!

Congrats WTG

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Senior Contributor
Posts: 4,669
Registered: ‎06-21-2012
0

Re: Capital one in giving mood!!!!

WTG Congrats on your CLIs!!!  I have always liked Cap1, despite others who had bad experiences with them.  I also think that they've been pretty generous w/ their CLIs within the past year.

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Moderator
Posts: 30,526
Registered: ‎12-13-2013
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Re: Capital one in giving mood!!!!

Enjoy Smiley Happy

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Super Contributor
Posts: 13,459
Registered: ‎01-04-2014
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Re: Capital one in giving mood!!!!

+1
to MyFico forums membership, mods, etc. and extremely vital discussions shared here that highly encourage credit responsibility while pointing out opportunities that lead to REAL RESULTS!

Congrats! Smiley Happy
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